NeedBizInsurance
Coverage by Profession · United States · 2026

Workers' Compensation for electricians

Workers' Compensation is typically required for electricians. Required in nearly every state once you have W-2 employees; even solo electricians often carry it because the work is hazardous.

Requirement
Required
Average cost
$2200.00–$5500.00/yr
Business risk
very-high
01

How workers' compensation applies

Required in nearly every state once you have W-2 employees; even solo electricians often carry it because the work is hazardous.

02

What affects the price

Payroll size
Experience modification rate
Residential vs. commercial
Number of employees
03

Best carriers for workers' compensation for electricians

Embroker
AM Best: A
direct
professional-liabilitygeneral-liabilityworkers-compensationcyber-liability
NEXT Insurance
AM Best: A-
direct
general-liabilityworkers-compensationcommercial-autobusiness-owners-policy
Simply Business
AM Best: A
direct
general-liabilityprofessional-liabilityworkers-compensationcommercial-auto
Thimble
AM Best: A
direct
general-liabilitycommercial-autoinland-marineworkers-compensation
04

Workers' Compensation for Electricians — FAQ

Do electricians need workers' compensation?+

Yes. Workers' Compensation is typically required for electricians by law, license, contract, or client requirement.

What does workers' compensation cover for electricians?+

Workers' Compensation helps protect a electrician business from losses tied to the specific risks of the work, including claims that may not be covered by a basic policy package.

Can electricians buy workers' compensation online?+

Yes. Many carriers quote workers' compensation online for electricians, though higher-risk work, employees, vehicles, or licensed operations may require extra underwriting.

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